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MODEL BANK DEPOSITS PORTFOLIO [FDIC-Insured Banks]
Model portfolio holding FDIC-insured bank products.
| EverBank | checking account | 4.76% APY |
| Bank Mutual | money market account | 3.75% APY |
| AmTrust Direct | 1-year CD (6/12/08) | 4.00% APY |
2007 Portfolio Return 5.43%
2008 Portfolio Return 2.59%
Current Yield 4.13%
Risk Categorization: Extremely low
Posted 7/9/08
MODEL MONEY FUNDS PORTFOLIO [Mutual Fund money markets]
Model portfolio holding mutual fund money markets which in turn hold short-term debt obligations. Net asset value of funds $1. Not FDIC-insured.
| Dreyfus Basic MMF | 2.48% yield* | $25,000 minimum |
| Western Asset MMF | 2.55% yield* | $1,000 minimum |
| Fidelty Cash Res MMF | 2.46% yield* | $2,500 minimum |
| Fidelity MMF | 2.55% yield* | $3,000 minimum |
* 7-day effective yield which included compounding of dividends
2007 Portfolio Return 4.95%
2008 Portfolio Return 2.29%
Current Yield 2.51%
Risk Categorization: Extremely low
Posted 7/9/08
MODEL COMMERCIAL PAPER PORTFOLIO [Commercial paper, corporate notes]
Model portfolio holding debt obligations of corporations which are available directly to individual investor. Not FDIC-insured.
| GE Capital Plus Notes | 3.35% yield* | AAA rating from S&P, liquid, 50K minimum |
| Ford Interest Advantage | 4.28% yield* | B-3 rating from S&P, $50,000 minimum |
* 7-day effective yield which included compounding of dividends
2007 Portfolio Return 5.57%
2008 Portfolio Return 2.23%
Current Yield 3.83%
Risk Categorization: Moderate
Posted 7/9/08
MODEL BOND FUND PORTFOLIO [Government bond funds]
Model portfolio holding government bond funds.
| JP Morgan Treasury and Agency Select (OMBAX) | 4.78% yield | Holdings government agency paper and Treasuries. Average maturity 4.5 years. |
| Vanguard Short Term Treasury (VFISX) | 3.73% yield | Holdings 94% U.S. Treasuries. Average maturity 2.4 years |
2007 Portfolio Return 4.69%
2008 Portfolio Return 2.37%
Current Yield 4.26%
Risk Categorization: Low to Moderate
Posted 7/9/08